You can get into a DSCR program in the high 6s depending on the DSCR ratio, LTV, Loan Amount and credit. 

I live in CA and want to buy out of state.

Focus on modern, efficient layouts that maximize living space without extensive structural changes.

The chat is always live.

We live in Washington state, so this will be managed remotely.

Our living expense needs are pretty well handled by Social Security and pensions, so there is no crisis at hand.First unit is a $410k listing with no mortgage.

Love Ricky @Mike Schorah but depending on what kind of content you're looking for, I also love Mike Sherrard... 

Depending how much you earn you can step up those savings by getting a side-hustle.

I think my take so far with it is that it can be useful but it is still a bit stiff in its answers depending on what you are trying to achieve with it and you may have to do some secondary work with your results.

And you also have to jump through a lot of permitting hoops and redtape, depending of what you want to serve: take out, dine-in, beer&wine, liquor - all different licenses.